Who is covered for Medical Payments under a Homeowners policy?

The correct answer identifies the scope of coverage for medical payments under a Homeowners policy. Medical Payments coverage is designed to provide immediate financial assistance for medical expenses incurred by individuals who are injured on or near the insured premises, regardless of fault.

In this case, a resident employee injured while working is specifically covered because the policy recognizes the unique risks associated with employees who perform work in the insured's home. This coverage is intended to ensure that employees receive medical care without needing lengthy claims processes or determining fault.

While the other choices may seem plausible, the nuances of coverage differentiate them. The insured and members of their household, roomers, boarders, and tenants, as well as visiting friends and family, are typically covered under other components or different clauses of the policy. However, the specific mention of a resident employee reflects a clear intention to protect those individuals who might be at greater risk while carrying out their work duties, thus ensuring their medical expenses are taken care of promptly.